MAFP Loan Documents

Member Services

While the CUSO represents an effective means of developing commercial and business lending programs for Credit Unions that are new to this business, it also represents an equally effective means for seasoned commercial and business lenders to maximize their existing programs.

This is accomplished by allowing the Credit Union to consider (or reconsider) loans that were determined to be outside of their field of membership. These loans may be funded by the Credit Union through and in name of the CUSO, where as much as 100% of the interest income received through the loan payments, flowback to the originating Credit Union.

Another way this can be accomplished is by allowing the Credit Union to consider (or reconsider) loans that are prudent extensions of credit but fall outside of published NCUA Guidelines. These loans may also be funded by the Credit Union, through and in the name of the CUSO, where as much as 100% of the interest income received through the loan payments flow back to the originating CreditUnion.

In addition, based upon the considerable network of private and specialized funding sources available to MAFP, we can assist in arranging funding of loans that would normally be considered difficult or impossible to place. While these referrals do not represent anyrisk or liability for MAFP or the referring Credit Union, they will share in fee income generated by the loan placement.

For Credit Unions looking to enhance their deposit base, a strong MBL program means strong deposits where annual deposits exceed the loan amount.

Each MBL loan originated opens the door for Consumer Lending and Deposit relationships with business owners and their employees (Home & Auto Loans, CDs, IRAs and more.

Press

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Service Solutions

What are “Flexible Relationship Options”?

At MAFP, we believe that a tailored solution is the way to add value to a partnership. Our value proposition is to be your commercial lending department. We offer “Flexible Relationship Options” that allow you to determine the best services for your organization.

• “>Fee-Based” services to Credit Union partners.
• “No-Cost” services, where applicable fees are collected directly from Borrower.
• “Fee-Paid” services, where fee income is paid directly to Credit Union partners.
• “Profit-Sharing” services.

Already in the Commercial Lending Market?

• Portfolio Loss Management – Assist Credit Unions who have commercial loans that have defaulted or deteriorated, in securing financing to satisfy their balance due, thus eliminating a potential loss.
• Loan Referral Program – Assist Credit Unions to place their rejected loan requests, thus improving their image with the borrower and potentially generating referral fee income of up to 1% of the loan amount from MAFP.